Call reports 2004
VALLEY VIEW STATE BANK — 2004
What VALLEY VIEW STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 624,095,000 | 626,824,000 | 632,679,000 | 646,320,000 |
| Total loans | 397,869,000 | 415,345,000 | 427,050,000 | 442,871,000 |
| Allowance for loan losses | 10,466,000 | 10,468,000 | 10,563,000 | 10,766,000 |
| Securities available for sale | 70,337,000 | 94,122,000 | 95,673,000 | 93,842,000 |
| Securities held to maturity | 101,323,000 | 94,551,000 | 88,936,000 | 84,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 517,823,000 | 503,747,000 | 500,649,000 | 511,733,000 |
| Interest-bearing deposits | 437,200,000 | 422,528,000 | 420,461,000 | 419,466,000 |
| Noninterest-bearing deposits | 80,623,000 | 81,219,000 | 80,188,000 | 92,267,000 |
| Equity capital | 77,469,000 | 77,997,000 | 80,752,000 | 82,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,268,000 | 16,315,000 | 24,938,000 | 33,579,000 |
| Interest expense | 2,217,000 | 4,374,000 | 6,672,000 | 9,041,000 |
| Net interest income | 6,051,000 | 11,941,000 | 18,266,000 | 24,538,000 |
| Noninterest income | 766,000 | 1,497,000 | 2,283,000 | 3,363,000 |
| Noninterest expense | 3,126,000 | 6,010,000 | 9,100,000 | 12,141,000 |
| Provision for loan losses | 10,000 | 27,000 | 43,000 | 250,000 |
| Pretax income | 3,681,000 | 7,401,000 | 11,406,000 | 15,510,000 |
| Income tax | 1,336,000 | 2,682,000 | 4,118,000 | 5,516,000 |
| Net income | 2,345,000 | 4,719,000 | 7,288,000 | 9,994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,927,000 | 78,672,000 | 80,477,000 | 82,399,000 |
| Total capital | 82,993,000 | 84,864,000 | 86,771,000 | 88,900,000 |
| Risk-weighted assets | 480,985,000 | 491,185,000 | 499,239,000 | 515,950,000 |